# Introduction

HelmutPay is a privacy-first crypto neobank built on Solana. It gives humans and AI agents a shared financial account where transfers are confidential by default, every transaction settles on-chain in under a second, and you always hold your own keys.

## What makes HelmutPay different

Most financial products make a binary choice: either everything is public (most crypto), or everything is hidden behind a custodian (traditional banks). HelmutPay takes a third path.

**Confidential by default.** Transfer amounts are encrypted using zero-knowledge proofs via Solana's Confidential Balances extension. Sender and receiver addresses remain on-chain and visible. Amounts are not. You can selectively disclose any transaction to an auditor, tax authority, or counterparty without exposing your full history.

**Agent-native from day one.** HelmutPay accounts are programmable. You can provision a wallet for an AI agent via a single API call, attach a spending policy that enforces limits at the on-chain program level, and receive real-time webhook events for every transaction. Agents transact autonomously within the rules you set.

**Non-custodial.** HelmutPay never holds your private keys. Keys are derived from your device passkey and never leave your device unencrypted. You can export them at any time.

**Settled on Solana.** Transactions finalize in under 400ms at a fraction of a cent. Every transfer is independently verifiable on Solscan.

## Who this is for

HelmutPay is built for two audiences that increasingly overlap:

**Individuals and businesses** who want a clean, private stablecoin account for payments, payroll, or cross-border transfers. If you've used Revolut or Cash App but want your transaction history to stay yours, HelmutPay is built for you.

**Developers and AI builders** who need programmable financial infrastructure for autonomous systems. If your agents are paying for API calls, settling invoices, or executing on-chain logic, HelmutPay gives them a wallet that works the same way yours does.

## Beta

HelmutPay is currently in public beta. Core features are stable and production-ready. Some advanced features are marked accordingly throughout these docs.

{% hint style="info" %}
The first 500 accounts created during beta pay zero fees. [Apply for early access](https://helmutpay.com).
{% endhint %}

## Quick links

* [Quickstart](/getting-started/quickstart.md) - Set up your first account and send a transfer in five minutes
* [Core Concepts](/getting-started/concepts.md) - Understand accounts, privacy, and policies before you build
* [REST API](/api-reference/rest.md) - Complete HTTP API reference for all HelmutPay endpoints
* [Agent Accounts](/accounts/agent-accounts.md) - Provision wallets for AI agents via API


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# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.helmutpay.com/overview/readme.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.